First Heritage Credit LLC
175 consumer complaints recorded in the CFPB Consumer Complaint Database, with breakdowns by product, state, and complaint year.
Data updated June 2026
CFPB benchmark: response within 15 calendar days of filing.
Share closed with monetary or non-monetary relief.
First Heritage Credit LLC complaint mix by product
- Debt collection 51 29.1% – 33% relief
- Payday loan, 44 25.1% – 32% relief
- Credit reporting, 41 23.4% – 24% relief
- Consumer Loan 35 20.0% – 49% relief
- Credit reporting 2 1.1% – 0% relief
- Payday loan 1 0.6% – 0% relief
- Mortgage 1 0.6% – 0% relief
How First Heritage Credit LLC's 175 complaints split across CFPB product categories. Resolution rate badge = % closed with monetary or non-monetary relief.
Complaints by Product
| Product | Complaints |
|---|---|
| Debt collection | 51 |
| Payday loan, title loan, or personal loan | 44 |
| Credit reporting, credit repair services, or other personal consumer reports | 41 |
| Consumer Loan | 35 |
| Credit reporting | 2 |
| Payday loan | 1 |
| Mortgage | 1 |
Top States
| State | Complaints |
|---|---|
| LA | 55 |
| TN | 39 |
| MS | 34 |
| AL | 14 |
| SC | 14 |
| TX | 5 |
| FL | 2 |
| VA | 2 |
| NJ | 1 |
| CA | 1 |
| MI | 1 |
| NC | 1 |
| DC | 1 |
Top Issues
| Issue | Complaints |
|---|---|
| Communication tactics | 22 |
| Incorrect information on your report | 21 |
| Problems when you are unable to pay | 18 |
| Struggling to pay your loan | 16 |
| Improper use of your report | 16 |
| Managing the loan or lease | 10 |
| Problem when making payments | 9 |
| Problem with a credit reporting company's investigation into an existing problem | 9 |
| Attempts to collect debt not owed | 8 |
| Improper contact or sharing of info | 6 |
| Cont'd attempts collect debt not owed | 5 |
| Charged fees or interest you didn't expect | 5 |
| Taking out the loan or lease | 4 |
| Took or threatened to take negative or legal action | 4 |
| Getting the loan | 4 |
| Problem with the payoff process at the end of the loan | 3 |
| Disclosure verification of debt | 2 |
| Incorrect information on credit report | 2 |
| Written notification about debt | 2 |
| Problem with additional add-on products or services | 2 |
Yearly Trend
| Year | Complaints | Timely |
|---|---|---|
| 2013 | 1 | 100% |
| 2014 | 13 | 100% |
| 2015 | 18 | 100% |
| 2016 | 19 | 100% |
| 2017 | 18 | 100% |
| 2018 | 17 | 100% |
| 2019 | 23 | 100% |
| 2020 | 24 | 100% |
| 2021 | 25 | 84% |
| 2022 | 17 | 100% |
Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database
What the CFPB Record Shows About First Heritage Credit LLC
First Heritage Credit LLC's 175 logged complaints stay concentrated: only 13 states show a filing on record. 43.4% of filings carry a written consumer narrative, the verbatim complaint description the CFPB publishes alongside the numbers - an unusually well-documented record. Records run from 2013 through 2022-10-07.
First Heritage Credit LLC answers 97.7% of complaints inside the CFPB's tracked window and closes 66.9% with a written explanation. 33.1% end in monetary or non-monetary relief for the consumer. Consumers disputed just 0% of responses after the company replied. "Debt collection" draws the most filings, most often for "Communication tactics."
A complaint is a consumer-reported allegation, not proven wrongdoing. See the disclaimer below for how volume relates to company size, and cross-check against the CFPB Consumer Complaint Database directly before drawing conclusions about First Heritage Credit LLC.
Disclaimer: This data is from CFPB public records. PlainComplaint does not provide financial advice. A complaint does not indicate that a company has violated any law or regulation. Complaint volumes are influenced by company size, customer base, and market presence. Use this data as one of many inputs when evaluating a company.
Frequently Asked Questions
How many CFPB complaints does First Heritage Credit LLC have?
175, per the CFPB's public complaint count for this company (see the full breakdown above).
Does First Heritage Credit LLC respond to complaints on time?
97.7% of the time, measured against the CFPB's 15-calendar-day response window.
What is the most common complaint about First Heritage Credit LLC?
"Communication tactics", filed under the "Debt collection" category - see the issues and products tables above for the full ranking.
Every figure on PlainComplaint is rendered directly from the CFPB Consumer Complaint Database, no number is typed in by an editor. Company figures are computed directly from the CFPB Consumer Complaint Database, no figure is typed in by an editor. See our editorial standards & corrections policy, the methodology behind these numbers, or report a data error.